516 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 516 Cottage Xing, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,246 sqft · built 2006
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jul 2025)
Tax Bill	$3,653 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300214`

Property Details

APN / Parcel Number

Primary APN	`T060300214`
Alternative APN	`2-0042-9787-00-0061.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	3,012 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	Deck Area
Patio Area	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060300214
Street Address	516 COTTAGE XING
City	O FALLON
State	MO
Zip	63366-1491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HYLAND GREEN #2 LOT 61
Legal Subdivision	HYLAND GREEN #2
Legal Lot Number	61
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3026
Census Tract	311801

Owner

Source: St. Charles County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	516 COTTAGE XING, O FALLON, MO 63366-1491
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · VA Mortgage GERSHMAN INVESTMENT CORP
Mar 27, 2020	Deed of Trust, Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Nov 7, 2006 · Amount on Record
Deed Document Number	202528766
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 13, 2026
Property Address	516 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0000022448
Instrument Date	Apr 30, 2026
Instrument	202622448
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	INVEST TITLE, INVESTORS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	0000022448,
Date	May 13, 2026
Instrument	202622448

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	516 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0072640001
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	516 COTTAGE XING O FALLON MO 633661491, O FALLON, MO 63366-1491

Mortgage

Document Number	0072640001
Date	Apr 6, 2020
Book Page	007264/000001
Instrument	211360

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 5, 2035

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,809 (-)	$298,994 (-) Land $298,994
2025	$3,653.00	$56,809 (-2.61%)	$298,994 (-2.61%) Land $65,000 Building $233,994
2023		$58,333
2022			$307,016 Building $307,016

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	940 / 940
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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